CN106997527A - 基于移动终端p2p的信用支付方法及装置 - Google Patents

基于移动终端p2p的信用支付方法及装置 Download PDF

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Publication number
CN106997527A
CN106997527A CN201610049675.4A CN201610049675A CN106997527A CN 106997527 A CN106997527 A CN 106997527A CN 201610049675 A CN201610049675 A CN 201610049675A CN 106997527 A CN106997527 A CN 106997527A
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CN
China
Prior art keywords
transaction
payment
mobile terminal
information
credit
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201610049675.4A
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English (en)
Chinese (zh)
Inventor
陈星�
王磊
兰杰
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Advanced New Technologies Co Ltd
Advantageous New Technologies Co Ltd
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Alibaba Group Holding Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Alibaba Group Holding Ltd filed Critical Alibaba Group Holding Ltd
Priority to CN201610049675.4A priority Critical patent/CN106997527A/zh
Priority to TW105143383A priority patent/TWI675338B/zh
Priority to PH1/2018/501578A priority patent/PH12018501578B1/en
Priority to MYPI2018702590A priority patent/MY194132A/en
Priority to PCT/CN2017/071251 priority patent/WO2017128975A1/zh
Priority to SG10202104393VA priority patent/SG10202104393VA/en
Priority to KR1020187024475A priority patent/KR102411007B1/ko
Priority to EP17743590.6A priority patent/EP3410374B1/en
Priority to JP2018557178A priority patent/JP6995778B2/ja
Priority to SG11201806344VA priority patent/SG11201806344VA/en
Publication of CN106997527A publication Critical patent/CN106997527A/zh
Priority to US16/042,808 priority patent/US11270305B2/en
Priority to US16/722,252 priority patent/US11250427B2/en
Priority to US17/665,164 priority patent/US20220156741A1/en
Priority to US17/684,996 priority patent/US20220188820A1/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G06Q20/3265—Payment applications installed on the mobile devices characterised by personalisation for use
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
CN201610049675.4A 2016-01-25 2016-01-25 基于移动终端p2p的信用支付方法及装置 Pending CN106997527A (zh)

Priority Applications (14)

Application Number Priority Date Filing Date Title
CN201610049675.4A CN106997527A (zh) 2016-01-25 2016-01-25 基于移动终端p2p的信用支付方法及装置
TW105143383A TWI675338B (zh) 2016-01-25 2016-12-27 基於行動終端ｐ２ｐ的信用支付方法及裝置
EP17743590.6A EP3410374B1 (en) 2016-01-25 2017-01-16 Credit payment method and device based on mobile terminal p2p
SG11201806344VA SG11201806344VA (en) 2016-01-25 2017-01-16 Credit payment method and apparatus based on mobile terminal p2p
PCT/CN2017/071251 WO2017128975A1 (zh) 2016-01-25 2017-01-16 基于移动终端p2p的信用支付方法及装置
SG10202104393VA SG10202104393VA (en) 2016-01-25 2017-01-16 Credit payment method and apparatus based on mobile terminal p2p
KR1020187024475A KR102411007B1 (ko) 2016-01-25 2017-01-16 이동 단말 p2p에 기초한 신용 지불 방법 및 장치
PH1/2018/501578A PH12018501578B1 (en) 2016-01-25 2017-01-16 Credit payment method and apparatus based on mobile terminal p2p
JP2018557178A JP6995778B2 (ja) 2016-01-25 2017-01-16 モバイル端末ｐ２ｐに基づくクレジット決済方法及び装置
MYPI2018702590A MY194132A (en) 2016-01-25 2017-01-16 Credit payment method and apparatus based on mobile terminal p2p
US16/042,808 US11270305B2 (en) 2016-01-25 2018-07-23 Credit payment method and apparatus based on mobile terminal peer-to-peer
US16/722,252 US11250427B2 (en) 2016-01-25 2019-12-20 Credit payment method and apparatus based on mobile terminal peer-to-peer
US17/665,164 US20220156741A1 (en) 2016-01-25 2022-02-04 Credit payment method and apparatus based on mobile terminal peer-to-peer
US17/684,996 US20220188820A1 (en) 2016-01-25 2022-03-02 Credit payment method and apparatus based on mobile terminal peer-to-peer

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201610049675.4A CN106997527A (zh) 2016-01-25 2016-01-25 基于移动终端p2p的信用支付方法及装置

Publications (1)

Publication Number Publication Date
CN106997527A true CN106997527A (zh) 2017-08-01

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CN201610049675.4A Pending CN106997527A (zh) 2016-01-25 2016-01-25 基于移动终端p2p的信用支付方法及装置

Country Status (10)

Country Link
US (4) US11270305B2 (enExample)
EP (1) EP3410374B1 (enExample)
JP (1) JP6995778B2 (enExample)
KR (1) KR102411007B1 (enExample)
CN (1) CN106997527A (enExample)
MY (1) MY194132A (enExample)
PH (1) PH12018501578B1 (enExample)
SG (2) SG10202104393VA (enExample)
TW (1) TWI675338B (enExample)
WO (1) WO2017128975A1 (enExample)

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CN107665427A (zh) * 2017-08-22 2018-02-06 阿里巴巴集团控股有限公司 一种离线支付、业务处理、支付处理的方法及装置
CN107798605A (zh) * 2017-12-20 2018-03-13 浙江氢创投资有限公司 一种基于p2p技术的金融资产交易方法
CN109639427A (zh) * 2017-10-09 2019-04-16 华为技术有限公司 一种数据发送的方法及设备
CN109658084A (zh) * 2017-10-11 2019-04-19 北京京东尚科信息技术有限公司 离线支付的方法及系统
CN111353781A (zh) * 2020-03-12 2020-06-30 网银在线（北京）科技有限公司 一种交易数据处理方法及系统
CN111768185A (zh) * 2020-09-01 2020-10-13 腾讯科技（深圳）有限公司 一种交易数据处理的方法、相关装置以及存储介质

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CN106997527A (zh) 2016-01-25 2017-08-01 阿里巴巴集团控股有限公司 基于移动终端p2p的信用支付方法及装置
US11516153B2 (en) 2016-01-25 2022-11-29 Expensify, Inc. Computer system providing a chat engine
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TWI725369B (zh) * 2018-12-28 2021-04-21 綠界科技股份有限公司 線上退款系統
CN109784891A (zh) * 2019-01-14 2019-05-21 重庆唯哲科技有限公司 移动支付进程启动方法及系统
EP4239554A3 (en) * 2019-06-10 2023-11-01 Visa International Service Association System, method, and computer program product for exchanging transaction data
CN110766397B (zh) * 2019-10-21 2023-07-25 深圳市丰鑫科技服务有限公司 基于数据识别模型的近场支付方法
CN111127000B (zh) * 2019-12-10 2023-04-25 中国联合网络通信集团有限公司 充值卡信息加密方法、装置、终端设备和充值平台
KR20220131381A (ko) * 2020-01-22 2022-09-27 비자 인터네셔널 서비스 어소시에이션 취소 가능한 p2p 결제 시스템 및 방법
CN111540100B (zh) * 2020-01-22 2022-05-17 中国银联股份有限公司 基于异步预授权与脱机数据认证的数据处理方法及其系统
CN115461772B (zh) * 2020-06-11 2025-08-26 维萨国际服务协会 管理待决交易的方法和其系统
KR20220167676A (ko) * 2021-06-14 2022-12-21 삼성전자주식회사 Uwb 통신을 이용한 트랜잭션 방법 및 장치
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